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• Stub Policies: You Get What You Pay For ( January 2003 )
  Anthony  Bartell and Steven H. Weisman of McCarter & English, LLP

  New Jersey's Appellate Division recently held that an insurance company, which accepts additional premiums to extend its policy's termination date for less than twelve months, must pay additional policy limits for claims triggering the extended "stub policy" period. The Court reasoned that "an insured who pays a prorated premium for insurance coverage for an additional period with all other terms of the policy to remain the same would reasonably expect that such a prorated premium reflects only the insurer's reduced time on the risk, not a reduction in the policy's aggregate coverage limits."

• Life Insurance Fraud: "Vanishing Premium" Insurance Policies ( February 2001 )
  Malesovas & Martin, L.L.P.

  Several years ago, the life insurance industry began marketing individual life insurance policies which they could.

• Insurers Must Act Promptly on Reinstated Applications ( June 2000 )
  Slattery & Jespersen, P.C.

  Delay results in reinstatement of policy In December 1993, Bruce Fein inadvertently failed to pay the premium .

• Life Insurance: When The Vanishing Premium Reappears ( March 2000 )
  David G. Tekell of Malesovas & Martin, L.L.P.

  ”Vanishing premium” life insurance sales illustrations may have been all the rage in the life insurance industry in the 1980's, but when those premiums began to reappear in the 1990's, the life insurance industry was faced with a crisis in confidence-and a rash of policyholder suits-which has shaken its very foundation. Recent articles in the financial press have chronicled the verdicts and settlements that have resulted, and now the attention of the Bar has been captured.

• The Irrevocable Life Insurance Trust ( December 1999 )
  Peter J. Parhiala of Peter J. Parhiala Law Firm

  Among all the financial products consumers buy, life insurance is one of the most common.

• Long-Term Care Insurance Premiums Now Deductible ( August 1999 )
  Karen A. McSherry of Schlossberg & Associates P.C.

  It is time for us to face the harsh realities of the current Medicaid system. Short of totally impoverishing oursel.

• Pension Plan Premiums ( March 1999 )
  Pension Benefit Guaranty Corp. Ogc Library

  Answers to questions frequently asked by employers and pension professionals regarding Pension Benefit Guaranty Corporation premiums.

• Viatical Settlements: A Guide for People With Terminal Illness ( May 1998 )
  Federal Trade Commission

  Brochure from the Federal Trade Commission which discusses the various options which exist for people with terminal illnesses when financial needs are critical. Describes viatical settlement or sales of life insurance policies for a lump sum payment.

• National Flood Insurance Program Policy Issuance 5-98 ( September 1998 )
  DHS - Federal Emergency Management Agency

  Policy issuance from the Federal Emergency Management Agency which indicates that the 30 day waiting period to various mortgage lending and insurance underwriting situations will not apply when there is an existing insurance policy and an additional amount of flood insurance is required in connection with the making, increasing, extension, or renewal of a loan.